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Working Papers

Updated 2010-2020 Household and New Home Demand Projections

George Masnick, Daniel McCue, Eric Belsky • September 1, 2010

W10-9: Given the prolonged period of high unemployment and the possibility that it will influence headship rates and household growth, this working paper explores a…
Working Papers

Behaviorally Informed Home Mortgage Credit Regulation

Michael Barr, Sendhil Mullainathan, Eldar Shafir • April 1, 2008

UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
Working Papers

Imperfect Information and the Housing Finance Crisis

Edward Golding, Richard Green, Douglas McManus • February 1, 2008

UCC08-6: This paper has two parts. First, we look at the various agents involved in the mortgage transaction—including borrowers, brokers, originators, rating agencies…
Working Papers

The New Demographics of Housing

George Masnick • November 25, 2001

W01-11: During the 1990s, minorities have played an increasing role in population growth throughout the United States. Fueled by international migration and by high…
Working Papers

A Critical Look at Rising Homeownership Rates

George Masnick, Nancy McArdle, Eric Belsky • January 8, 1999

W99-2: In spite of warnings to exercise caution when using the Current Population Survey to track trends between 1993 and later years because of major changes since 1994…